Loan Factory - We Dare You To Compare

One+ Program

Buy a home with

1% down

Lender provides a

2% grant

Low rate eligibility

You can qualify for low rates even with a credit score as low as 620

Eligibility requirements:

Income: 80% or less of the Area Median Income (AMI).
Credit score: Must be at least 620.
Loan type: Single-unit primary residence, first-time home buyers, and conventional loans only.
Max grant amount: $7,000.
Max loan amount: $350,000.

* This is not a commitment to lend.

Call us

(800) 567-8869

Email us

feedback@loanfactory.com

Business hours

Monday - Friday: 9 AM - 6 PM (PST)

Saturday: By Appointment

Services we offer

Home Purchase

Are you a first-time home buyer? Let's make an easy start with us. We will guide you through all the paperwork.

Refinance Low Rate

Need to refinance to get a better rate? We will get great deals for your financial plan As the rate is updated in real-time from lenders, your refinance plan will just get better.

Refinance Cash Out

A cash-out refinance is one of several ways to turn your home's equity into cash. We will help you with your financial plan.

"Aileen was a pleasure to work with, she helped us to buy a home which we were waiting for a long time. She goes above and beyond to get things done on time. Very prompt in follow-ups, responding to emails and text messages. I strongly recommend Aileen if you are buying a house, you can rely on."

Tom Williamson

"John made the process so easy and stress-free. He was always available to answer our questions and provided the best guidance. Highly recommend working with him!"

Emily Carter

"Absolutely fantastic experience! Mark went the extra mile to ensure we got the best deal possible. Will definitely work with him again."

David Foster

Why us

Independent Advice

We commit to always give you independent, long-term strategy advice regarding real estate and mortgage options.

Customer First

We make less per loan than competitors and pass the extra savings on to you.

Low Available Rates

You will always get great deals with our real-time pricing engine.

Fast, Convenient, Local Service

We are just one call away from meeting your needs.

Loan Factory is a private mortgage broker company headquartered in San Jose, California.

Our mission is to provide AMAZINGLY LOW mortgage rates combined with great customer service. We believe that we can accomplish both these goals with the use of technology and the willingness to help our customers.

In order to achieve these goals, we

1. We make less per loan than competitors and pass the extra savings on to you.
2. Reduce overhead costs, such as advertising, and operate efficiently using superior technology.
3. Provide clients with real-time rate quotes and rate alerts and inform you when it's the best time.
4. Improve customer service by automatically updating borrowers' loan status.
5. Build trust by not collecting any funds until the rate is locked. At that time, the only fee collected is the appraisal fee which is refundable in the case of a no cost loan.